IBN vs. USB: ICICI Bank vs. U.S. Bancorp Stock Comparison

Company Profile

ICICI Bank (IBN) and U.S. Bancorp (USB) are both classified in the Diversified Banks sub-industry within the broader Banks industry, placing them in the closest GICS peer bucket.

U.S. Bancorp (USB) trades as ordinary local shares, while ICICI Bank (IBN) trades as an ADR — compare with FX exposure, depositary-program fees, and dividend-withholding-tax differences in mind.

Price Performance

Cumulative Growth

Trailing Returns

Calendar-Year Returns

Performance Metrics

Risk Profile

Drawdown History

Return Distribution

Risk Metrics

Risk-Adjusted Performance

Risk-Return Positioning

Risk-Adjusted Metrics

Profitability

ICICI Bank (IBN) at 16.49% sits in the top ROE quartile, while U.S. Bancorp (USB) at 12.84% is closer to the peer norm — stronger capital efficiency for IBN.

Both ICICI Bank (IBN) at 27.85% and U.S. Bancorp (USB) at 30.01% keep about the typical share of revenue as profit for their industries — neither bottom line stands out from peers.

Neither side reports a meaningful operating margin: for ICICI Bank (IBN) in Banks and U.S. Bancorp (USB) in Banks, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.

Profitability Metrics

Growth

ICICI Bank (IBN) at 9.13% is around its peer norm for revenue growth, while U.S. Bancorp (USB) at 4.41% drops into the bottom quartile, signaling weaker demand or pricing momentum.

Both ICICI Bank (IBN) at 5.10% and U.S. Bancorp (USB) at 21.90% land near their industries' usual EPS growth ranges, so bottom-line momentum looks broadly in line with peers on both sides.

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: ICICI Bank (IBN) in Banks and U.S. Bancorp (USB) in Banks both report balance sheets without a current/non-current split, so their short-term liquidity is better judged through regulatory and funding measures.

debt-to-equity ratio is set aside for both: ICICI Bank (IBN) in Banks and U.S. Bancorp (USB) in Banks run businesses where balance-sheet leverage is part of the model, so capital-adequacy and funding measures are the better gauges of balance-sheet risk.

Financial Strength Metrics

Dividends

ICICI Bank (IBN) pays no dividend (yield 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile U.S. Bancorp (USB) reports a yield of 3.51%, ranking against industry peers normally.

U.S. Bancorp (USB) at 40.86% keeps its payout within the industry’s typical band; ICICI Bank (IBN) at 14.16% pays out less than peers usually do, retaining more of its earnings — a policy difference more than a quality gap.

Dividend Metrics

Valuation

U.S. Bancorp (USB) at 11.57 is near its industry’s usual P/E ratio, while ICICI Bank (IBN) at 19.26 sits above its peer range — an unusually expensive price for IBN’s trailing earnings.

P/S ratio is set aside for both ICICI Bank (IBN) in Banks and U.S. Bancorp (USB) in Banks: without a conventional revenue line, pricing per dollar of sales isn’t meaningful, and book- or earnings-based multiples make the better comparison.

U.S. Bancorp (USB) at 1.55 sits near its industry’s typical P/B ratio, while ICICI Bank (IBN) at 2.94 prices above its benchmark range — IBN looks rich relative to book.

Valuation Metrics